Car Insurance in Philadelphia PA
Auto Insurance Coverage in Philadelphia, PA— Getting Started
Having the right car insurance policy in Philadelphia, Pennsylvania's largest city, is important — that's why GEICO makes it so easy for Philadelphia drivers to get great coverage on their vehicles at an affordable price. It only takes a few minutes to get a free auto insurance quote in Philadelphia today!
Philadelphia Car Insurance Coverage Requirements
In Philadelphia, drivers must carry state-mandated minimum coverage limits for auto insurance. These coverages include:
- Bodily Injury Liability: $15,000 per person, $30,000 per accident
- Property Damage Liability: $5,000
- First Party Benefits: $5,000
- Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident unless you reject this coverage
- Underinsured Motorist Coverage: $15,000 per person, $30,000 per accident unless you reject this coverage
While these are the minimum coverages for Pennsylvania, many drivers may choose to carry higher limits of liability and have additional coverages to protect their vehicles. Everyone’s insurance needs are different. Check out our Coverage Calculator for a personalized recommendation.
Although Pennsylvania drivers can choose to reject uninsured and underinsured motorist coverage, you should consider adding this coverage to protect you financially in the event you are involved in an accident with someone who does not carry adequate auto insurance.
No-Fault State and Full Tort Policy Option
Pennsylvania operates as a "no-fault state," a system wherein drivers turn to their own insurance coverage regardless of who is at fault in an accident. This means that each party's insurance company covers their respective medical expenses and other losses up to the policy’s limits.
This gives Pennsylvania drivers the option to opt for a full tort policy. Full tort policies grant drivers the right to sue for pain and suffering damages in the event of an accident, regardless of the severity of the injuries.
In other words, if another driver's negligence causes an accident resulting in physical harm, emotional trauma, or any form of suffering, individuals with full tort coverage have the option to pursue legal action against the at-fault party to seek compensation beyond just economic damages.
However, it's essential for drivers considering full tort coverage to understand that while it offers broader legal rights, it may also come with higher insurance premiums.
Local Factors Impacting Philadelphia Insurance Rates
In Philadelphia, several local factors significantly influence insurance rates and impact residents' decisions when selecting coverage.
The city's dense population and bustling urban environment contribute to higher insurance costs. With more vehicles on the road and increased congestion, the risk of accidents rises. Philadelphia's unpredictable weather, including heavy rain and snow, creates additional driving hazards, further increasing the likelihood of car accidents.
Factors unique to Philadelphia, such as narrow streets and elevated theft rates, also contribute to the higher cost of insurance. Narrow streets can lead to more frequent accidents and higher repair costs, while the higher incidence of theft increases the risk for comprehensive insurance claims.
According to recent statistics from Bankrate, Philadelphia car insurance rates have increased by 21%. This has led to many drivers relying on state-mandated minimum coverages, which may not offer sufficient protection, making it imperative for Philadelphia drivers to select their coverage carefully.
How to Save Money on Car Insurance in Philadelphia
At GEICO, we recognize the importance of having a convenient, comprehensive, and affordable car insurance policy. That's why we provide various discounts tailored to your needs, including:
- New Vehicle Discount
- Good Student Discount
- Good Driver Discount
- DriveEasy Discount
- Multi-Policy Discounts
- And more!
With a variety of opportunities to save on premiums, there's ample opportunity to secure affordable coverage without compromising on quality.
Additional Considerations for Philadelphia Auto Insurance
When choosing auto insurance in Philadelphia, it's essential to evaluate your unique needs and risks to select sufficient coverage. For more information on state-required coverage levels or Pennsylvania's teen driving laws, visit our Pennsylvania car insurance page.
At GEICO, we're committed to guiding you through these complexities and tailoring a policy to your specific needs. Reach out today to discover more and begin securing your peace of mind on the road.
We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.
